7 Best Home Warranty Companies in Kansas for 2023

Despite rising mortgage rates and a slowdown in the housing market nationally, home prices in Kansas are expected to continue climbing. That’s great news for homeowners here, but not so encouraging for people who are planning on buying a house. As a result, prospective new homeowners are looking for more creative ways to stretch their housing budgets.

The right Kansas home warranty can save you from costly repairs and maintenance when your home appliances and major systems break down. Instead of buying multiple extended warranties for every appliance or system in your house, you can take care of them all in one secure, money-saving bundle.

Ready to learn more? We’ve reviewed seven of the best home warranty companies in Kansas so you can make the best choice for your home and budget.

7 Best Kansas Home Warranties

We reviewed dozens of home warranty companies and found the top seven Kansas companies that stand out above the rest. Each of these seven companies has its own pros and cons, but they all can help Kansas homeowners save money.

The prices quoted in these reviews are what we found for a single-family home in Kansas, under 5,000 square feet. For larger homes and multi-family properties, you should expect a slightly higher price.

Here’s a quick overview of our choices:

• Choice Home Warranty — Pricing transparency
• Liberty Home Guard — Highest online ratings
• Cinch Home Services — Best technicians
• Select Home Warranty — Best value
• AFC Home Club — Fastest response times
• American Home Shield — Best customizable features
• First Premier Home Warranty — Widest range of services

Read on for a detailed review of each of these Kansas home warranty companies.

Why we chose it: Choice Home Warranty is one of the most popular home warranty companies in Kansas. It offers simple, transparent home warranty plans at an affordable price.

Choice Home Warranty offers extensive coverage for the appliances and services in your home. That includes your HVAC, electrical system, plumbing and kitchen appliances. It offers reasonable coverage caps for each item — generally over $2,000 — along with a moderate service fee.

According to the most common home warranty reviews in Kansas, Choice Home Warranty is highly rated for its transparency. Choice Home Warranty offers two plans, both of which are straightforward and easy to understand. The company publishes a document that outlines its home warranty coverage and coverage limits on its website. Choice Home Warranty guarantees repairs for 90 days after installation, which is longer than many companies offer: 30 days is quite common. 

Plans and pricing: Choice Home Warranty offers two plans: Basic and Total. The Basic plan is great for most homeowners on a budget, but the Total plan offers more comprehensive coverage and higher coverage caps. Depending on your location, monthly costs range between $46.83 and $54.75 for an average size  single-family home. The service fee for either plan is $85 per claim.

All things considered, Choice Home Warranty is an affordable home warranty company with transparent pricing and a moderate service call fee. Customers who are new to home warranties would be wise to put Choice Home Warranty in their consideration set.

Why we chose it: Liberty Home Guard has impressive online reviews. When you look into the company, it’s not hard to see why — it offers comprehensive coverage and great workmanship. This home warranty company is ideal for anyone who wants a trusted company and low service fees.

Even though Liberty Home Guard has only been in business for a couple of years, it’s built a good reputation for itself. Online reviewers rave about its wide range of plans and knowledgeable customer service.

Liberty Home Guard offers three warranty plans with varying coverage caps. You can also customize those plans with add-ons if you want to extend coverage to other services like carpet and gutter cleaning.

Plans and pricing: Liberty Home Guard has three basic plans to choose from: Systems Guard, Appliance Guard and Total Home Guard. Each of these plans comes with a low fee of $60 for service. If you use your coverage frequently, those low fees can save a significant amount of money.

Liberty Home Guard offers a choice of three plans which range in cost from $49.99 to $59.99 for an average size single family home in Topeka. The company offers separate coverage for systems or appliances only and allows you to buy the specific coverage you need.

Why we chose it: Cinch Home Services is an experienced Home Warranty company with over 40 years in the business. It offers comprehensive coverage and a variety of plans to choose from, but what customers love most is the high quality of its workmanship. This company is at the top of our list for skilled technicians and guaranteed service.

Plans and pricing: Cinch Home Services offers three plans. Appliances, Built-in Systems and Complete Home. The plans are uniquely built so you only pay for the coverage you need.

According to Cinch’s website, the cost for a warranty plan for a single family home in Topeka ranges from $38.99 to $54.99 per month with a $150 deductible. While you do get to choose your deductible with Cinch, at $100 to $150 per visit, its service fees are a bit higher than some of the other companies on this list.

To sum it up, Cinch is an excellent choice for homeowners who prioritize getting the job done right the first time. The company offers very reasonable premiums, but those might be offset by higher service call fees.

Why we chose it: When it comes to budget-friendly plans, Select Home Warranty is one of the best companies in the warranty industry. It offers three plans that all have a low monthly cost and low service call fees. If you’re a first-time homebuyer looking for basic, affordable coverage, this may be the home warranty company for you.

When you buy a home warranty plan, it’s important to know exactly what you’re paying for. A lot of companies offer extensive coverage for high-end appliances and services. But if you own a smaller home with basic appliances, you don’t need all that. That’s why we recommend Select Home Warranty to homeowners who want simple, affordable coverage.

Low cost doesn’t always mean low quality; Select Home Warranty has been around for nine years and offers a respectable 90-day workmanship guaranteed.

Plans and pricing: Select Home Warranty keeps it simple. You can choose from its Bronze, Gold and Platinum plans, all of which come with a $65 service fee. Keep in mind that there is one caveat to that low fee: if multiple trades are required to fix an issue, there will be a separate $65 charge for each technician.

Plans for a single-family home cost from $44.72 to $47.75 monthly. Additionally, Select Home Warranty offers two months free if you pay for your plan annually. If you just bought your home and want to make sure you’re covered while sticking to a budget, this company is a logical choice.

Why we chose it: AFC Home Club is one of the more high-end options on our list. But it offers homeowners the opportunity to choose their own trusted contractors to perform repairs. Therefore, the quality of the service you receive is within your control.

America’s First Choice Home Club, or AFC Home Club, is an established home warranty company that offers a range of comprehensive services. While this company is a little more expensive than some of the other options on our list, it’s a great option for homes with multiple high-end appliances because its appliance coverage limit per appliance is $3,000.

AFC Home Club offers four different plans to choose from. The most affordable plans cover either appliances or systems. That option is becoming more rare but allows homeowners to purchase only the coverage they need. Combination plans cover major appliances like heating, and plumbing. The highest tier plan covers these systems, as well as pools and spas, well pumps and more.

Plans and pricing: AFC Home Club’s plans range from Silver to Platinum, with an additional Systems plan to cover your HVAC and electrical. Monthly costs for a single-family home are $40 to $51.83. The company offers a discount if you pay upfront for one year of coverage. Service fees range from $75 to $125 per visit.

To wrap it up, AFC Home Club is a dependable home warranty company with a wide range of options including systems- or appliance-only coverage. The company also has higher coverage limits for appliances than many plans and is well-suited to homes with high-end appliance brands.

Why we chose it: American Home Shield is one of the most well-established home warranty companies serving Kansas. It offers a variety of customizable plans, so you can choose exactly what you want to pay for. Customizing your coverage is a great way to get the best value for your money.

American Home Shield has been doing business in Kansas for over 50 years. An established reputation is important, but it’s not the only reason we included American Home Shield on this list. It’s known for offering the most customizable home warranty plans in Kansas.

After you pick your base plan with American Home Shield, you’ll have the option to add other appliances and systems to your warranty. In other words, you can select and pay for precisely the coverage you need. 

On top of that, many customer reviews indicate that the company has friendly and reliable customer service and promptly responds to service call requests.

Plans and pricing: American Home Shield has two combination plans for appliances and systems and one systems-only plan. You can adapt any of these plans as needed with add-on coverages. Service fees range from $75 to $125 depending on the appliance you need serviced.

According to American Home Shield’s website, plans for a single-family home in Topeka start as low as $49.99 per month. For the Platinum plan, you can expect to pay around $99.99, however.

Why we chose it: What if you’re not sure which appliances you want covered? What if you install a new HVAC system and don’t want to adapt your warranty plan around it? If you want your whole home covered for an affordable price, First Premier Home Warranty may be the way to go.

Last on our list of the seven best home warranty companies in Kansas is First Premier, a newer home warranty company that offers simple, broad coverage for your whole home.

First Premier’s two home warranty plans are offer coverage for appliances and systems. Although the company’s coverage caps are fairly low, that’s counterbalanced by the company’s affordable prices.

Plans and pricing: First Premier offers some of the least expensive comprehensive plans on the market. The Premier plan covers many appliances and home systems, though it does exclude refrigerators, clothes washers and dryers, and more notably, heating and air conditioning systems. The Platinum plan fills those coverage gaps and includes coverage for less common appliances and system components. Costs for a single-family Topeka home are $39.99 to $47.99 monthly.

Although First Premier Home Warranty is a fairly young company, it has positive reviews and offers affordable coverage. This would be a great choice for young homeowners looking for a safe warranty plan.

Other Home Warranty Companies in Kansas We Considered

We reviewed seven of the best Kansas home warranty companies in this list, but those seven aren’t your only options. Here are two other companies that get great home warranty reviews in Kansas.

HSA Home Warranty

Home Security of America, or HSA, is one of the top companies in Kansas providing home warranties. It offers two base coverage plans with plenty of add-ons and optional upgrades. Plans start at $45 per month. Because of its Seller/Buyer plan, this is one of the best home warranties out there for people who plan to buy, improve and resell a home.

First American Home Warranty

First American Home Warranty is another relatively affordable company to consider. While it might not be the best home warranty Kansas has to offer, this company offers reasonable plans with plenty of add-ons, and is a great place for a new homebuyer to start. You can add systems like your septic pump or water heater for a few extra dollars each.

What Are the Top Complaints About Kansas Home Warranties?

Before we get into the factors you should look for in a home warranty company, let’s talk about some things you should avoid. Even some of the biggest companies doing business in Kansas are guilty of these common issues. That’s why it’s so important to read the home warranty reviews from Kansas homeowners before you buy.

Here are some of the top complaints about Kansas home warranties:

• Misinformation: False advertising and unclear plans make it impossible to know what you’re paying for.
• Slow response time: The faster a technician can get to your home, the better.
• Poor customer service: When something in your home goes wrong, you want answers right away. Slow, rude or uninformed customer service representatives are a huge drawback in a home warranty company.

You should keep an eye out for these red flags before you buy a home warranty in Kansas.

How to Decide Between Kansas Home Warranties

Now that you’ve seen our review of the top companies out there, how do you choose the best home warranty Kansas has to offer?

The best company for you will vary depending on your home, budget and priorities. That said, here are a few important factors you should always look for:

Coverage and plan types

Most Kansas home warranty companies offer multiple plan types. Usually, those include a systems-only, appliances-only and combo plan. Combo plans typically cover more appliances and systems in your home without asking you to pay for add-ons.

Amount of protection offered

Remember that a home warranty is not the same thing as homeowner’s insurance. Kansas home insurance will protect your home in case of a disaster or destructive event. A home warranty, on the other hand, covers repairs and replacement  of appliances and systems.

When shopping for home warranty plans, be sure to weigh the cost of premiums and service calls against the coverage limits the plan offers. Higher priced plans often offer more coverage than lower cost plans. Some plans have coverage caps that limit their actual utility, particularly for high-end appliances and system replacements.

Plan cost and pricing

When it comes to great home warranties, cheaper isn’t necessarily better. You should look for a warranty contract that offers the broadest coverage for the price to ensure you’re getting the best value. Moreover, you should try to align the coverage you choose with the actual features of your home. For example, if you home only has HVAC system, coverage for two systems—which some plans include—won’t do you much good.

Optional add-on coverage

Add-on coverage can be a great way to extend your home warranty plan without paying for a higher tier. Some home warranty companies offer add-ons to cover additional appliances for a few dollars each. So you can amend the coverage of a low-cost plan to suit your needs without paying much more.

Coverage limits and gaps

Keep in mind that every home warranty policy has coverage caps, or limits, for each appliance. This is the limit the company will pay for repairs or replacements. Some plans only offer up to $500 coverage per appliance, for example. That’s not enough to cover replacement of most high-end appliances.  

Many companies also have gaps in coverage. For example, your plan might cover plumbing stoppages, but not normal wear to your HVAC system. Look into the coverage limits and gaps of every plan before you buy.

Length of waiting period

Most home warranty plans impose a waiting period before coverage begins. It may be as short as 14 days or as long as 30 days. That’s one way home warranty companies ensure that people aren’t buying a plan just because they already have a lot of repairs that need to be done. Waiting periods mean that you’ll wind up paying some money when you don’t have actual coverage for some period of time. Try to find a plan with a short waiting period.

Ratings and reviews from third-party sources.

Homeowners are fortunate to be able to read customer accounts of their experiences with home warranty companies before they purchase a plan. The Better Business Bureau gives a letter grade to many home warranty companies that speaks to the company’s ethics and how well they live up to their promises. Trustpilot scores are an average based on customer ratings. Both sites allow you to read customer reviews so you can look for patterns of praise and complaint to learn how well a company performs on certain important measures like fast claim processing, service response times, and more.

We recommend that you take advantage of the opportunity to check a company’s scores and read actual customer accounts of their experience doing business with any home warranty company you’re considering.

Kansas Home Warranty Costs, Prices and Fees

How much should your home warranty cost? Again, that depends on what you’re looking for. A comprehensive plan that covers your whole home with high coverage limits will be more expensive than plans that cover fewer appliances and systems with lower coverage caps.

As you can see by the reviews in this list, most high-end home warranties cost under $100 per month. Many homeowners decide that’s a reasonable cost for the peace of mind a home warranty provides.

If you’re on a budget, there’s nothing wrong with shopping for the most affordable plans. Just be aware that lower cost plans usually offer less coverage and charge higher service call fees.

When it comes to paying for that plan, most home warranty companies offer two options: an annual or monthly payment. You can save money by paying for an entire year of coverage upfront.

The final cost factor you need to consider is the service call fee. This is a flat fee you will pay for a technician to come to your home. It can range from $60 to $150, depending on your plan. A higher service fee doesn’t necessarily mean better quality service, but premiums may be lower when you choose a high service call fee.

What About Kansas Home Warranty Provider Regulations?

Home warranty companies have been regulated by the state of Kansas since 2005. That means every home warranty company is held to a certain standard of professionalism, fair pricing and technician ability.

Be aware that scams exist. If a home warranty company has no reviews and no history in the state, it might not be registered with the proper authorities — especially if the prices seem too good to be true. The seven companies reviewed in this article are legitimate home warranty providers that are properly registered and obligated to comply with Kansas state regulations.

Are There Any Exclusions in Home Warranties in Kansas?

Every home warranty company has exclusions. These are gaps in coverage, or things the company will not service. Some companies have exclusions for entire systems, such as heating or electrical, while others exclude appliances under certain conditions.

Here are a few common exclusions you’ll find in Kansas home warranty companies:

• Pre-existing conditions: Issues with an appliance or system that existed before you bought your plan.
• Cosmetic issues: Surface defects like scratches or dents that don’t actually affect the function of an appliance.
• Customer misuse: Wear and tear caused by misuse of the appliance. For example, a broken refrigerator that has been dropped during a move.

Each home warranty company has different exclusions. Make sure you read about a company’s Sample service contract so you aren’t surprised by exclusions and coverage limits. Some companies publish sample contracts on their websites, but you may need to request one from a customer service agent about them before you buy your plan.

How Did We Choose the Best Home Warranty Companies in Kansas?

We didn’t choose these top seven companies randomly. Each Kansas home warranty company on our list was carefully selected. Here are all the factors that went into choosing:

Trustworthiness, ratings and reviews

The best way to learn about a company is to read the reviews. Take the time to read them. High scores and positive reviews are a good indication of a company’s dedication to its customer service.

Annual service fee costs

Our goal wasn’t to find the cheapest companies, but companies that offer good value. The best Kansas home warranty companies offer extensive coverage for an appropriate monthly cost. We searched for companies that have a reputation for fair pricing.

Coverage and service options

Broad coverage and plenty of upgrade options mean a home warranty plan will suit your unique needs. Even the most basic plans should cover a wide range of appliances and systems in your home.

Contract details and limitations

It’s important to read the fine print. We carefully considered every home warranty company’s limits and exclusions in this review.

Waiting period time

We can’t stress the importance of a quick response time. No one wants to wait weeks for their HVAC or cooktop to be repaired. Most of the companies on our list have waiting periods of 48 hours or less.

Overall client satisfaction

Happy customers mean a good business. We were careful to select companies that have positive reviews in multiple areas: good customer service, fair pricing, skilled technicians and more.

Summary of Best Home Warranty Companies in Kansas

So, what is the best home warranty company serving in Kansas? Unfortunately, we can’t answer that for you. The best home warranty will look a little different for every homeowner — it all depends on your unique needs. That said, we can provide our honest reviews and well-researched information on the best home warranty companies Kansas has to offer. To review, here are our recommendations:

• Choice Home Warranty — Pricing transparency
• Liberty Home Guard — Highest online ratings
• Cinch Home Services — Best technicians
• Select Home Warranty — Best value
• AFC Home Club — Fastest response times
• American Home Shield — Best customizable features
• First Premier Home Warranty — Widest range of services